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6 FUNDAMENTALS OF RISK ANALYSIS AND RISK REDUCTION<br />

a danger to the public and buildings associated with utilities required to maintain the use of other<br />

buildings in this category.<br />

Performance expectations for buildings vary widely depending on the type of hazard being resisted.<br />

Selection of the design event in the I-Codes is determined by the hazard type, the risk category of building,<br />

and the type of building damage expected. Selecting a higher risk category for most residential buildings<br />

should result in a higher final design wind pressure for design and should improve building performance in<br />

high-wind events. It can also result in additional freeboard in Zone V and <strong>Coastal</strong> A Zone if using ASCE<br />

24 in flood design.<br />

For flood hazard design, the building is divided into two<br />

distinct parts: the foundation and the main structure. For the<br />

foundation, standard methods of design target an essentially<br />

elastic response of the foundation for the design event such that<br />

little or no structural damage is expected. The main structure<br />

is designed to be constructed above the DFE to eliminate the<br />

need for designing it to resist flood loads. If flooding occurs<br />

at an elevation higher than the DFE, flood loads can be<br />

significant where flood waters impact solid walls (as opposed<br />

to open foundation elements). Additionally, a water level only<br />

a few inches above the minimum floor elevation can result in<br />

damage to walls and floors, and the loss of floor insulation,<br />

wiring, and ductwork. The IRC incorporates freeboard<br />

for houses in Zone V and <strong>Coastal</strong> A Zone, and the IBC<br />

NOTE<br />

Designing to only minimum code<br />

and regulatory requirements<br />

may result in designs based on<br />

different levels of risk for different<br />

hazards. The importance of each<br />

hazard level addressed by such<br />

requirements, and whether an<br />

acceptable level of residual risk<br />

remains, should therefore be<br />

carefully considered during the<br />

design process.<br />

incorporates freeboard for buildings by virtue of using ASCE 24. Including freeboard in the building design<br />

provides a safety factor against damage to the main structure and its contents caused by flood elevations<br />

in excess of the design flood. While codes and standards set minimum freeboard requirements, a risk<br />

assessment may indicate the merits of incorporating additional freeboard above the minimum requirements<br />

(see Sections 6.2.1.3 and 6.3).<br />

For wind hazard design, standard methods of design also target an essentially elastic response of the<br />

building structure for the design event (i.e., 700-year wind speed, 3-second gust per ASCE 7-10) such that<br />

little or no structural damage is expected. For wind speeds in excess of the design event, wind pressures<br />

increase predictably with wind velocity, and factors of safety associated with material resistances provide a<br />

margin against structural failure.<br />

For seismic hazard design, life safety of the occupants is<br />

the primary focus rather than preventing any damage to the<br />

building. All portions of the building should be designed to<br />

resist the earthquake loads. Buildings are designed using the<br />

Maximum Considered Earthquake (i.e., 1 percent in 50 years)<br />

and include factors such as ground motion and peak ground<br />

acceleration. Adjustment factors are applied to design criteria<br />

based on the risk category for the building.<br />

For erosion hazard design for bluff-top buildings, the ratio<br />

of soil strength to soil stresses is commonly used as the safety<br />

factor by geotechnical engineers when determining the risk of<br />

NOTE<br />

In the past, little thought was<br />

given to mitigation. Homeowners<br />

relied on insurance for<br />

replacement costs when a natural<br />

hazard event occurred, without<br />

regard to the inconvenience and<br />

disruption of their daily lives.<br />

Taking a mitigation approach can<br />

reduce these disruptions and<br />

inconveniences.<br />

6-8 COASTAL CONSTRUCTION MANUAL

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